4 research outputs found
Efficiency of Islamic banks in Indonesia: data envelopment analysis
No full textThis paper measures the efficiency of Islamic commercial banks in Indonesia by analyzing factors that affect the level of efficiency using the two-stage data envelopment analysis (DEA) method. The objects of this study are 10 Islamic commercial banks in Indonesia which are analyzed from 2011 to 2014. Two methods are used in this study, namely nonparametric method of DEA in the first stage and Tobit model in the second stage. The actual average efficiency of Islamic commercial banks in Indonesia is at fairly good level with an average score 91.82, which means that although relatively inefficient, Islamic commercial banks in Indonesia are able to optimize their resource inputs to produce outputs as an intermediary institution. The application of the Tobit model uses asset (ASSET), non-performing financing (NPF), capital adequacy ratio (CAR), number of bank branches (BRANCH) and return on asset (ROA) as the explanatory variables. The results showed that the variables of assets, number of bank branches, and ROA significantly affect Islamic commercial bank efficiency, while CAR and NPF empirically do not have a significant effect on efficiency
SUBSIDI LINGKUNGAN: STUDI EKSPERIMEN
No full textThe negative environmental externalities is one of the problems to get Pareto optimal. Government intervention through environmental regulation is one way to correct for the market to achieve Pareto optimal. The Government through the Ministry of Environment and Forests is mandated to issue government regulations on Environmental Economic Instruments as mandated by Act (Indonesia: Undang-undang) No. 32 of 2009 about the protection and management of the environment. One environmental economic instrument is environmental subsidy. Subsidy is given to the technologies which is environment-friendly. The aim of this study was to discern decision-making behaviour of individual in response to subsidy towards technology.
Experiment approach is used to test the behavior of individuals in decision-making. The object of experiment in this study were 25 students of the Faculty of Economics and Business, Diponegoro University; which were chosen randomly. Experiemntal Economics is employed using two treatments given. The treatments were non-subsidies and subsidies treatment. Non-parametric Mann Whitney U test is employed to detect the difference.
The result showed that there is no difference significantly in individual investment behavior when choosing non-subsidies and subsidies treatment. Individuals have tendency to think rationally to invest in technology that have a highest Net Present Value or in this case the technology that is not subsidized. It revealed that perception of individual to take risk and earning in the previous game are affected by individual decision whether to take subsidy technology or not. To conclude, environmental subsidy is less effective in reducing environmental degradation
Big data-based peer-to-peer lending FinTech: Surveillance system through the utilization a of Google Play review
No full textPeer-to-peer lending (P2PL) FinTech is growing rapidly in Indonesia. With its flexibility and simplicity, P2PL reduces the gap in financing that cannot be fulfilled by banks. However, the rapid development of P2PL also raises a number of problems that burden users such as unethical debt collection methods, and the imposition of excessive interest rate and other costs that potentially threaten national financial system stability. Therefore, by utilizing big data, which in this case is 40,650 reviews from 110 P2PLs obtained from Google Play within the period of March 2016-August 2018, this research builds a big data-based P2PL surveillance system based on four aspects, namely legality, review rating, debt collection methods, and level of interest rates and other costs. By using relational database, structured query language (SQL) and text analysis, we made several findings: (i) the majority of P2PL in Google Play are unauthorized; (ii) on average, authorized P2PL receives a better review rating; (iii) there are a lot of negative reviews related to unethical debt collection methods and excessive imposition of interest rate; and (iv) there are four P2PLs that required special supervision from the Indonesia Financial Service Authority (OJK). Furthermore, in accordance with the findings, the OJK should not passively wait for official reports to be filed by the public regarding violations of P2PL businesses. Through this big data-based system, the OJK can proactively find these violations, given that the system is proven to be able to act as an early warning system for the OJK in terms of P2PL surveillance
Efficiency of Islamic Banks in Indonesia: Data Envelopment Analysis
No full textThis paper measures the efficiency of Islamic commercial banks in Indonesia by analyzing factors that affect the level of efficiency using the two-stage data envelopment analysis (DEA) method. The objects of this study are 10 Islamic commercial banks in Indonesia which are analyzed from 2011 to 2014. Two methods are used in this study, namely nonparametric method of DEA in the first stage and Tobit model in the second stage. The actual average efficiency of Islamic commercial banks in Indonesia is at fairly good level with an average score 91.82, which means that although relatively inefficient, Islamic commercial banks in Indonesia are able to optimize their resource inputs to produce outputs as an intermediary institution. The application of the Tobit model uses asset (ASSET), non-performing financing (NPF), capital adequacy ratio (CAR), number of bank branches (BRANCH) and return on asset (ROA) as the explanatory variables. The results showed that the variables of assets, number of bank branches, and ROA significantly affect Islamic commercial bank efficiency, while CAR and NPF empirically do not have a significant effect on efficiency
